The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$24,625
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,391
−HK$778/mo
Today · 4.125%
HK$26,169
baseline
▲ 0.50% · 4.625%
HK$27,762
+HK$1,593/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,338/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,395
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,130
−HK$745/mo
Today · 4.125%
HK$28,875
baseline
▲ 0.50% · 4.625%
HK$30,397
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,750/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,550
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,469
−HK$934/mo
Today · 4.125%
HK$31,403
baseline
▲ 0.50% · 4.625%
HK$33,314
+HK$1,911/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,806/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,874
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,756
−HK$894/mo
Today · 4.125%
HK$34,650
baseline
▲ 0.50% · 4.625%
HK$36,477
+HK$1,827/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,300/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,475
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,547
−HK$1,090/mo
Today · 4.125%
HK$36,637
baseline
▲ 0.50% · 4.625%
HK$38,866
+HK$2,229/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,274/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,353
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,382
−HK$1,043/mo
Today · 4.125%
HK$40,425
baseline
▲ 0.50% · 4.625%
HK$42,556
+HK$2,131/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,850/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,325
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,704
−HK$1,401/mo
Today · 4.125%
HK$47,105
baseline
▲ 0.50% · 4.625%
HK$49,971
+HK$2,866/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,210/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,311
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,634
−HK$1,341/mo
Today · 4.125%
HK$51,975
baseline
▲ 0.50% · 4.625%
HK$54,715
+HK$2,740/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,950/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,973 · Scale 2, in force from 26 Feb 2026)